whom would the NAIC's annuity best interest obligation apply? ch Chapter 1) . to MegaLife Insurer, which markets and sells annuities through direct response solicitation b. to Moshe, who is working a case in which an annuity will be the funding vehicle for a defe angement c. to Gloria, who is replacing a client's existing annuity with a new annuity d. to Henry, an insurance-licensed funeral director who sells prepaid funeral contracts funded